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04-17-2012, 05:50 AM
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#1
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Senior Member
Tiffin Owners Club Ford Super Duty Owner
Join Date: Nov 2011
Location: Long Island, NY
Posts: 154
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Insurance glass coverage
The wife and I are picking up our new and first class A coach soon, We are getting insurance quotes. Do most ins companys provide full glass coverage?
It will cost us about $ 400.00 more a year for full glass. How much is a windshield for a motorhome? I know it is always a gamble with insurance but would like to keep our cost down.
Need some help from the pro's.
Thanks
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04-17-2012, 06:34 AM
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#2
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Senior Member
Entegra Owners Club
Join Date: Feb 2012
Location: Midland, Texas
Posts: 606
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We went with Nationwide thru Good Sam's and one of the reasons I chose them over GMAC insurance (which GS's also sells) was that glass coverage was included with only a $100 deductible.
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Terry & Gloria O, Midland, Texas
2020 Entegra Aspire 44W, 2022 F250 King Ranch
2012 Entegra Aspire 42RBQ Traded
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04-17-2012, 06:40 AM
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#3
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Senior Member
Winnebago Owners Club Ford Super Duty Owner
Join Date: Aug 2011
Location: Richmond Hill, Ga.
Posts: 242
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We have Progressive. Did the dreaded "Winnebago Rust Repair" last fall. Found it while replacing broken drivers side glass. When removing pass. side it broke also. Ins. paid for all glass (repair was $2600). Vanishing deductible was $0. Cost the ins. co. $1300 per side. South Ga. prices.
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Steve & Cheryl w/3rd Crewmember Peanut, Our Deerhead Chiuaua
2000 Winnebago Adventurer 35U F53, V10 Gasser,Safe T Plus
2004 Wrangler Toad via Stowmaster 5000, BrakeBuddy Classic
Marriage is a relationship in which one is always right and the other is the husband
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04-17-2012, 07:17 AM
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#4
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Moderator Emeritus
Winnebago Owners Club Workhorse Chassis Owner Coastal Campers Carolina Campers
Join Date: Jan 2000
Location: Conway, SC
Posts: 23,641
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Quote:
Originally Posted by jjm22
The wife and I are picking up our new and first class A coach soon, We are getting insurance quotes. Do most ins companies provide full glass coverage?
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Some states are full glass states so it may just be something that you will get as a component of your policy. I'd see if that's a possibility. I have not had to deal with insurance companies outside of being full glass state. SC is one of those that are.
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03 Adventurer 38G, Workhorse W22
F&R Track Bars, Safety+ , Ultrapower, Taylor Extremes, SGII
TST 507, Blue Ox, SMI, Koni FSD, CrossFire
RV/MH Hall of Fame - Lifetime Member
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04-17-2012, 09:10 AM
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#5
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Senior Member
Monaco Owners Club
Join Date: Oct 2011
Location: Logan, Ut
Posts: 315
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Quote:
Originally Posted by jjm22
The wife and I are picking up our new and first class A coach soon, We are getting insurance quotes. Do most ins companys provide full glass coverage?
It will cost us about $ 400.00 more a year for full glass. How much is a windshield for a motorhome? I know it is always a gamble with insurance but would like to keep our cost down.
Need some help from the pro's.
Thanks
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Hmmm... "how much is a windshield for a motorhome?" Depends on the motorhome I guess. I just had both halves of my 96 HR Endeavor windshield replaced (yesterday in fact). I paid the $250 Comprehensive deductable on my insurance policy (b-b gun holes are what did me in), insurance picked up the rest.
The glass shop manager told me it would have been about $1500 to replace both sides, labor included, if I was paying myself.
Hope this helps
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Its not the destination, its the journey
2003 FW Disco 39L chased by 2300 lbs of raging GEO Tracker
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04-17-2012, 11:10 AM
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#6
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Senior Member
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
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I have 0 deductible glass coverage and both sides would have cost me over $1600. NC for both side and the gasket. I asked, but don't remember what the glass coverage costs, but it was very little compared to the cost of the glass.
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04-17-2012, 11:18 AM
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#7
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Community Administrator
Join Date: Aug 2009
Posts: 53,561
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Quote:
Originally Posted by new2RVn
We have Progressive. Did the dreaded "Winnebago Rust Repair" last fall. Found it while replacing broken drivers side glass. When removing pass. side it broke also. Ins. paid for all glass (repair was $2600). Vanishing deductible was $0. Cost the ins. co. $1300 per side. South Ga. prices.
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When I had my windshield replaced a few years ago my vanishing deductible reappeared. EEK
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Cliff,Tallulah and Buddy ( 1999-2012 )
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04-17-2012, 11:20 AM
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#8
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Moderator Emeritus
Join Date: Oct 2011
Location: In a lawnchair
Posts: 11,993
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We have Allstate insurance and I was told that they don't offer glass coverage for mohos (I'm in Texas). I wasn't too happy about that, but apparently the comprehensive coverage will take care of broken windshields, etc. and we will pay the deductible. Not the coverage I wanted, but hopefully we'll never need it. (yeah...right. )
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04-17-2012, 11:50 AM
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#9
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Senior Member
Join Date: Jun 2011
Location: Phx, Arid~zona
Posts: 11,106
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Maybe not in TX, but I have Allstate here in AZ and they covered my windshields.
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04-17-2012, 11:57 AM
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#10
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Moderator Emeritus
Join Date: Jan 2000
Location: West Palm Beach, FL. USA
Posts: 27,713
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Some states require full glass coverage for windshields, but most do not. Full (no deductible) glass coverage is normally an extra cost option. But why would yu pay $400 for eliminating the deductible? You have to pay the extra $400 every year, but you only pay the deductible if you have a claim, and then only once per claim. You could have several windows replaced in one claim, with one deductible.
A motorhome windshield costs anywhere from $500-$3000 (installed), depending on whether it is one or two piece, size, shape, tint, etc. I had a half windshield installed 4 years ago for $1200.
__________________
Gary Brinck
Former owner of 2004 American Tradition and several other RVs
Home is West Palm Beach, FL
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04-17-2012, 02:00 PM
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#11
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Senior Member
Join Date: May 2004
Location: Auburn, CA, Havasu, AZ & Mulege, BCS
Posts: 5,385
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I've had two windshield mishaps on motorhomes. First was on driver's half, rock hit & cracked 8" or so instantly, crack evolved w/in minutes (no time for a fix) to in the driver's view. Was quoted $1300 for the half windshield replacement (this was a mastic-set, not gasket). Wound up paying the replacement company direct instead about $800. Moho windshields are a two part deal- 1) buy, crate & ship the glass from mfgr, 2) install locally. So the total price is the combination, and any "shop" that does this for you will do both of the above and then mark up the result to your final bill amount. Had I sat back & allowed the shop to turn-key the job w/subcontractors, I woulda paid the $1300 or something close to it.
Second incident was with my newer one-piece windshield. Rock hit hard & made a 2" diameter spider, no further crack. As soon as I could get a repair outfit to come by, I had it glued. That was about a year ago. I figured replacement would be about $2300 for the full width one piece. In addition to the cost (I think I have $400 deductible on glass for our policy), the risk involved w/shoddy repair comes in to play. In example #1 above, the shop cut my front cap 3M mask while doing replacement & did sloppy mastic finish. The spider is not in the driver's viewport, but it does show (more from inside looking out, which is a distraction), but I'd rather go that route than replacement for money & pain.
__________________
Baja-tested '08 2-slide 36'
Alpine: The Ultimate DIY'er Project
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04-17-2012, 03:09 PM
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#12
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Senior Member
Gulf Streamers Club
Join Date: Jan 2012
Location: Cincinnati
Posts: 19,925
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Here's a list of glass/windshield insurance coverage, by state:
Car Windshields - State-by-State Information
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Bob & Donna
'98 Gulf Stream Sun Voyager DP being pushed by a '00 Beetle TDI
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04-17-2012, 04:31 PM
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#13
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Senior Member
Damon Owners Club Freightliner Owners Club
Join Date: Mar 2006
Location: North East Texas
Posts: 4,946
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Quote:
Originally Posted by DriVer
Some states are full glass states so it may just be something that you will get as a component of your policy. I'd see if that's a possibility. I have not had to deal with insurance companies outside of being full glass state. SC is one of those that are.
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yes here in texas they cover the cost for dings and divits to the glass and the actually breakage is a deductible set by you and your insurance company depending on what your deductible is
ask the companies you are looking at for specific state rules and costs
__________________
USN Retired, Life time member of the DAV.
Enjoying the 2008 Damon Tuscany 4056, #3998 no your eyes are fine, there are really 6 slides
2022 F150 King Ranch or 2012 Edge toads
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04-17-2012, 08:51 PM
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#14
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Moderator Emeritus
Join Date: Oct 2011
Location: In a lawnchair
Posts: 11,993
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Quote:
Originally Posted by Dunner
Maybe not in TX, but I have Allstate here in AZ and they covered my windshields.
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Oh, they WILL cover it...but the regular deductible applies.
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